Cigna Insurance Review 2026Employer-group members and people needing international or expat health coverage
Cigna, operated by The Cigna Group, is a global health services organization that provides medical, dental, behavioral health, and pharmacy benefits. Coverage is offered largely through employer-sponsored and group plans, alongside individual, supplemental, and international health products. The company's operations also include its Evernorth health services division and the Express Scripts pharmacy benefit manager.
Cigna at a Glance
Founded
1982
Headquarters
Bloomfield, CT
AM Best (financial strength)
A
J.D. Power (satisfaction, approx.)
712
Coverage & Products
- ✓Medical and health insurance plans
- ✓Dental insurance
- ✓Vision insurance
- ✓Behavioral and mental health coverage
- ✓Pharmacy benefits (Express Scripts)
- ✓Supplemental health insurance (accident, critical illness, hospital indemnity)
- ✓Medicare Supplement and Part D plans
- ✓International and expat health insurance
Plan Features
Pros
- +Broad national provider network plus notable international and expat coverage options
- +Strong virtual care and digital member tools
- +Wide range of employer-sponsored and supplemental plan choices
- +Integrated pharmacy benefits through Express Scripts
Cons
- −Individual ACA marketplace plans are not offered in every state
- −Recent scaling back of its Medicare Advantage business narrows options for some seniors
- −Plan features and pricing vary significantly by region and employer
- −Member service experiences can be inconsistent across plans
Cigna — Frequently Asked Questions
Is Cigna a financially strong insurance company?
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Cigna carries an A.M. Best financial-strength rating of A. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
How is Cigna's complaint record?
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The NAIC Complaint Index is published primarily for property-and-casualty lines; for Cigna, check the NAIC Consumer Insurance Search and your state department of insurance for complaint data specific to the product and state you're considering.
How do I get a quote or contact Cigna?
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You can request a quote or reach Cigna at cigna.com or by phone at 1-800-244-6224. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
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Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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